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Your cover in detail

Our Comprehensive cover includes benefits that many insurers do not offer as standard or for which you may be charged extra.

Your cover in detail

The table below outlines what's included with each level of cover.

Third Party only Third Party, Fire and Theft Comprehensive
Protected No Claim Discount – we'll protect your No Claim Discount against two claims in a three year period. This is included as standard if you've got four or more years' No Claim Discount entitlement, even if you've had a fault claim in the last three years Yes Yes Yes
Accidental damage to insured car No No Yes
Loss or damage to insured car by fire or theft No Yes Yes
Legal costs arising from a Third Party claim Yes Yes Yes
Legal liability to Third Parties, including up to £20 million of property damage Yes Yes Yes
Uninsured driver cover – if an uninsured driver hits your car, through no fault of yours, as long as you supply their vehicle registration and the accident details we'll refund any excess paid and your No Claim Discount won't be reduced No No Yes
Vandalism cover – your No Claim Discount will not be affected by a claim for damage caused by vandals No No Yes
Unlimited audio / visual cover – cover against fire and theft for permanently fitted equipment such as CD players, factory fitted sat nav systems and reverse parking cameras. Our Comprehensive policy also includes unlimited accidental damage cover for the audio/visual equipment permanently fitted in your car No Yes YesUnlimited
Replacement car while yours is being repaired by one of our approved repairers following an incident in the UK No No Yes
Personal belongings for effects and clothing kept in or on your vehicle No No YesUp to £1,000 or up to £2,000 in December
Personal accident benefits for policyholder and spouse/domestic partner No No YesUp to £5,000
Medical expenses (per person) No No YesUp to £300
Emergency accommodation / Get you home cover No No YesUp to £500
Cover for any person with a full driving licence to drive your car in a medical emergency Yes Yes Yes
Windscreen, window and sunroof glass repairs – no excess to pay and your No Claim Discount will not be affected if you use one of our approved repairers No No Yes
Up to two years 'new for old' cover if you've owned the car from new. Cover in the first year has no mileage restrictions, whereas cover in the second year has a 12,000 miles restriction (this includes any miles done in the first year) No No Yes
Cover in the European Union for the policyholder to take trips abroad for an unlimited period at no extra cost Yes Yes Yes
Optional cover available
Legal Protection YesOptional YesOptional YesOptional
Increased Personal Accident No No YesOptional
Replacement car extension for theft/total loss No No YesOptional
Accident Healthcare YesOptional YesOptional YesOptional
Saga Breakdown Assistance YesOptional YesOptional YesOptional

For the full policy features and benefits please see our Policy books